Losing a job or facing sudden financial hardship puts your home at risk fast. Here’s how a subject-to sale can be the fastest and cleanest path through that crisis.
The Clock That Starts Immediately
The moment you start missing mortgage payments, a clock starts: 30 days to a credit score hit, 90 days to a Notice of Default, and typically 4–6 months to a foreclosure auction. That timeline sounds long — until you’re living through it while trying to find new work.
Why Subject-To Is Often the Right Move
If you’ve lost income and can’t afford your mortgage, the worst thing you can do is simply stop paying and hope things improve. Subject-to gives you a clean exit: we take over the payments, you transfer the deed, and you immediately eliminate the monthly mortgage obligation — freeing up whatever income you do have for your new situation.
What You Walk Away With
In a pure subject-to deal, you receive relief from the debt — not necessarily cash. If there’s any equity above our acquisition costs, we may be able to include a small cash payment. But the primary benefit is eliminating a payment you can no longer make.
Timing Is Everything
The best time to call is before you’ve missed any payments. The second best time is right after the first miss. Waiting until the fourth or fifth month dramatically reduces your options. Call (877) 800-3187 today.